Where does the CHI policy operate in Russia? Validity period of the compulsory health insurance policy.

The current legislation clearly regulates the OSAGO insurance policy. It controls its obligatory registration, monitors payments.

The minimum period of use is also set, it may vary. How much is it?

Briefly about autocitizen

Compulsory third party liability insurance is a document that must be issued to all vehicle owners, regardless of type. The policy makes it possible to receive damage in the event of an accident on the highway.

To obtain insurance, you will need the following documents:

• vehicle owner's passport;
• vehicle registration certificate;
• driving license of citizens who will use the car;
• diagnostic card.

For registration, you must visit the insurance company, write an application and present the required documents. Next, an agreement is signed, the client pays the insurance premium, and he is issued a policy.

The cost of insurance depends on certain indicators:

• type of vehicle - car or truck;
• region of registration;
• the age of the driver and his experience in the field of driving;
• engine power;
• terms of insurance.

Compulsory third party liability insurance is issued for a standard period of 1 year. There are cases when this period is much less. The main law is “On OSAGO”, it is constantly changing. Changes have also occurred in the issue of the duration of insurance.

What is the minimum term? In what situations is it possible to reduce the validity period of insurance? Let's consider further.

Duration of use

Before finding out the duration of the use of the policy, it is necessary to clarify one point. There are 2 columns in the insurance - validity period and period of use. What is the difference? The terms of insurance (term of validity of the agreement) are 1 year. The period of use is the time during which the owner of the car plans to use it.

To find out the terms of the policy, you must remember that for each category of vehicles they are different.

In Russia, 3 categories are valid:

• transport that is used only on the territory of the Russian Federation;
• transport ;

The term of validity of the policy and the cost of its execution depend on the category. For the first category, the minimum period is up to 3 months, for the second - up to 20 days and for 3 - up to 15 days and not less than 5.

What the law says

According to federal law No. 40 (clause 1, article 10) "On OSAGO", adopted on April 25, 202, the contract is concluded for a period of 1 year. Exceptions are cases provided for by law.

In accordance with article 12.37, part 2 of the Code of Administrative Offenses, driving without insurance is punishable in the form of a fine.

Earlier it was said that after the expiration of the insurance, you can drive for another 30 days. This clause became invalid on March 1, 2008.

OSAGO validity period

For newly purchased vehicles, the validity period is 1 year. Depending on some indicators, this period may vary - on the age of the driver, driving experience.

The following categories may have a short term policy:

• summer residents, tourists using the car in warm time of the year;
• drivers who plan to sell cars in the near future;
• citizens who often go on business trips outside Russia.

Three months

3 months for OSAGO insurance is a common period. Such insurance will be an excellent option for those who plan to sell a vehicle, change it often, use a car not all year round. Anyone can apply for a policy.

Its price is 50% of the total cost of insurance for the year.

In case of delay, the car owner has the right not to issue an extension of the policy, but to conclude an agreement again. OSAGO for 3 months has disadvantages:

• delay must not be allowed, otherwise you risk overpaying the cost of the policy - the insurer will issue a new policy, but the old one will not be renewed;
• to extend the insurance, you will need to visit the insurance company.

half a year

For insurance for 6 months, you must pay 70% of the cost. On a monthly basis, the insured will pay a large amount than for a policy that is issued immediately for a year. The price of the policy during the year will not change, even if the tariffs change.

The advantage of OSAGO for six months is that this period can be broken down.

That is, insurance will not be used for 6 months in a row, but randomly.

When registering a newly acquired vehicle

To deliver the vehicle to the account, you must have a valid OSAGO insurance. Basically, the period is one year. If there are certain circumstances, the owner of the car can choose a different period. To register a vehicle, it must be at least 3 months old.

The policy will be issued for a year, and it will be valid for 3 months or six months, it all depends on the personal wishes of the owner. In this case, insurance is paid in the amount of 40% of the annual cost of the policy.

If transit insurance is issued (valid for up to 20 days), then the car will not be registered. To register it, you will need to purchase a separate policy for a year.

What to do after the expiration date in 2019

Some vehicle owners are unwilling to renew the policy, thinking that with expired insurance it is possible to drive for another month without terminating the agreement with the insurance company. This is not true.

In 2009, legislation established that as soon as the policy expires, the traffic inspector has the right to fine the driver. Therefore, the document must be renewed immediately.

Policies of the old sample

If the owner of the vehicle has old insurance, then it will continue to be valid until the end of its term. They have the right to change the old policy to a new one at any time, and absolutely free of charge.

Find out by number

To view the validity period of the policy, you can use the link - http://dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm.

Using the service is easy:

• for verification, only the details of insurance will be needed;
• enter a series of a valid policy;
• form number must be entered manually;
• enter the verification code and wait for the results.

The information will be sent in the form of a request to the association of motor insurers.

The check will show the following:

• date of the last assessment of the state of insurance;
• status - stolen, lost, is with the insurer (insured);
• insurer data;
• date of sale;
• date of commencement of the policy;
• expiration dates.

Is there a penalty?

In 2019, driving without insurance will cost 800 rubles.

The size depends on the situation:

• the policy is forgotten at home, but not expired - 500 rubles(the inspector will need to prove the existence of the document);
• the driver drives the vehicle of another person, but is not included in the policy - 500 rubles(even if everything is in order with the documents, there were no accidents on the road);
• overdue policy 800 rubles.

What to do if you have an accident and your insurance is expired?

If the driver gets into a traffic accident, and the OSAGO validity period has expired, problems cannot be avoided. Fine in 800 rubles- necessarily. Further there are options.

If you are the culprit, then you will pay for the damage.

The fact of the absence of the policy will be recorded in the protocol. The injured person will carry out an independent assessment of the damage caused (the culprit must be present). If the accident was caused by someone else's fault, then the culprit will compensate for the damage. For the fact that the policy is expired, you will have to pay a fine.

How to calculate the cost by the term of the policy?

Important nuances:

• it is more profitable to take out insurance for a period of one year;
• the price for annual insurance corresponds to the figures in the policy, if the price of insurance increases, the cost of the policy (previously issued) remains the same;
• You can apply for a policy for several months and, if necessary, renew it.

How to renew insurance?

If the policy has expired, and the driver continues to drive the car, then he will have to pay a fine of 300 rubles. If the policy is completely absent, then the fine increases to 800 rubles. Therefore, after the expiration of the document, it must be renewed immediately.

If you plan to continue cooperation with the insurance company in which the policy was issued, then it will be automatically extended. To do this, you need to contact the company by phone and find out where to pick up a new policy. Before that, you will need to pay for it.

If the insurance company will change, then they must be notified of this 2 months before the expiration of the document. You will need to visit the office of the company to write a statement due to the refusal of further services.

To obtain a new policy, you must present the following documentation:

• old insurance;
• passport;
• driving licenses of all who plan to drive a car;
• a coupon confirming the passage of technical inspection;
• registration certificate.

To extend it, you must visit the insurance company and pay the remaining amount of insurance for the year.

Existing nuances

Insurance companies are interested in generating income. The shorter the period for issuing insurance, the lower the price for it will be. What is unprofitable for insurance companies. When the period is 3 months, the coefficient will be equal to 0.5 - half the cost of insurance. If the vehicle will be used for six months, then you will have to pay for the document 60% cost.

Sometimes it is more profitable to renew the policy several times a year than to pay the annual cost of the policy at once. No changes are planned for the current year.

A policy with a limited period of use is recommended to be issued in such cases:

• the vehicle will be used all year round;
• during the insurance period, the car will be changed or sold;
• the owner of the car leaves on a business trip for a long time.

Thus, you can issue an OSAGO policy for any period.

The minimum period is 3 months, the maximum is a year.

It depends on certain circumstances - the category of the vehicle, the period of use and others. These cases are provided for by law. The owner of the vehicle has the right to independently choose the duration of the policy.

The cost of compulsory motor third party liability insurance does not change during the year.

All citizens of the Russian Federation, without exception, are insured in the CHI system. Foreigners permanently residing in Russia have the right to receive an insurance policy.

The following are the insurers in the system of this type:

• institutions;
• enterprises;
• the state directly.

Enterprises transfer 5.1% of the total amount of wages to the territorial or federal compulsory medical insurance funds. Health insurance for non-working citizens is paid directly by the state.

Special funds are the most important part of compulsory medical insurance. They represent non-profit organizations, in which all cash transfers are accumulated in favor of the health insurance system.

They provide financial stability and also, if necessary, provide material support to insurance companies.

Commercial insurance companies are the direct participants of MHI. They are required to have an appropriate state license to carry out insurance activities.

They enter into contracts with medical institutions to provide services to their clients, issue medical policies, control the quality and timing of medical care.

Medical institutions are the final segment of CHI. Citizens of the Russian Federation apply to them to receive appropriate assistance. The presence of a policy of the described sample gives full right on the free receipt medical services.

Law on CHI

To date, the basis for the action of compulsory medical insurance is the Federal Law "On Compulsory Medical Insurance in the Russian Federation".

The main function of this law is to regulate the relationship of all participants in the compulsory health insurance system (insurers, policyholders, funds, state bodies).

It also determines the legal status of subjects and objects in the MLA. The basis for the adoption and operation of the law under consideration is the Constitution of the Russian Federation.

Supplement the action of Federal Law No. 326:

• Law of November 21, 2011 “On the Fundamentals of Protecting the Health of Citizens of the Russian Federation”;
• Law of July 16, 1999 "On the Fundamentals of Compulsory Medical Insurance".

The relationship between the subjects of the CHI system is also regulated by various other provisions and acts of the regions of the Russian Federation. Each insured event is considered separately, on an individual basis.

The observance of the law under consideration is primarily monitored by the federal and regional compulsory medical insurance fund.

Each organization has a special legal and legal department that performs the function of supervision in the field of compliance with the legislation in force on the territory of the Russian Federation.

What does the policy give

The MHI policy confirms that a citizen has the right to receive free medical care.

If it is available, the insured person has the right to apply to the following institutions:

• the clinic to which the insured is assigned;
• traumatology;
• dentistry;
• oncology departments, dispensaries;
• hospitals participating in the CHI.

The presence of a compulsory medical insurance policy allows you to get almost any medical care.

This document is currently mandatory for submission to a medical institution when applying. If for some reason there is no compulsory medical insurance policy, then an individual can receive medical care on a paid basis.

What does he look like

Today, the compulsory health insurance policy has standard view. Moreover, its format does not depend on the services of which insurance company the citizen uses. Appearance depends only on the type of medical policy.

Recently, the health insurance system has been reformed. It was in connection with this that a new type of insurance policy was issued. It looks like plastic card, on the front side of which there is an individual card number.

Invalid Displayed Gallery

The back has the following information:

• the signature of the insured;
• photo of the insured;
• validity;
• gender and date of birth.

A copy of the image is applied to the policy, it is not a digital signature. Even a picture with a not very good quality can be used as a photograph. high quality. The duration of the document is determined by many factors.

There is also another type of policy - temporary. It is issued for a period of 30 days in the event of a situation where the plastic policy is withdrawn.

This happens if previously a person simply did not have a policy of the type in question, or if it is being replaced. Upon the expiration of thirty days from the date of receipt, the temporary policy shall cease to be valid.

It itself is an A5 paper and contains the following information:

• date of issue;
• the signature of the insured;
• name of the representative of the insurance medical organization.

Previously, old-style policies were in effect. They had an A3 format and contained information similar to that presented on the temporary CHI policy.

Agreement conditions

The terms of the compulsory medical insurance contract were approved by the Director of the Federal Compulsory Medical Insurance Fund A.M. Taranov 03.10.03.

All documents of this type should be formed only taking into account this provision, not contradict it. Otherwise, this agreement may be considered partially invalid.

The document in question necessarily contains clauses to avoid the occurrence of various kinds of conflicts, the boundaries of responsibility are indicated.

The section "Subject of the contract" specifies the conditions under which the insurer provides its services to the insured. A certain amount (insurance premium) is paid in favor of the insurance company.

Based on this, in the event of an insured event, the company pays for its client to go to a medical institution.

In this section, the object of insurance is indicated - the property interest of the client. That is, in fact, the compulsory medical insurance policy protects its owner, first of all, from financial damage. Also in this section, the concept of an insured event is indicated.

The section “Sum insured, the procedure for its payment” details these two terms. The amount of the insurance premium, the limit of liability, the procedure for paying the insurance premium and the moment of this operation are also indicated.

When applying for a standard CHI policy, this section is absent - it is displayed in the agreement between the UK and the regional (federal) CHI fund. The section “Terms of the agreement” determines the duration of the agreement of the type in question.

The clause “rights and obligations of the parties” reads out the obligations arising between the insured and the insurer in the event of its conclusion.

The rights of the parties are also considered in as much detail as possible. The occurrence of serious violations of at least one clause is a serious reason for terminating the contract.

The insurance company must ensure the confidentiality of information relating to the policyholder. An exception is possible only in cases provided for by the current legislation of the Russian Federation.

The following information is confidential:

• the content of the contract, its form;
• the state of health of the insured, all available cases of seeking medical help;
• personal data of the insured (place of residence, home phone and other).

The section "Change and termination of the contract" lists the situations when it is possible to make any amendments to the text of the document.

Lists all cases when the contract can be terminated, and the procedure for implementation this process. At the end of the contract, the details of the parties are indicated: actual and legal address, phone numbers.

Validity

Several years ago different compulsory insurance policies were issued in different regions. That is why their duration varies significantly. In 2011, a gradual transition to a single compulsory health insurance policy was launched.

To date, policies of this type, which are a plastic card, usually do not have expiration dates. The only exception is the issuance of a policy to a foreign citizen.

If an individual uses an old policy (today this is quite acceptable), then you can find out the expiration date for its validity directly on him.

Most often, this information is present at the back of the document. Previously, contracts under compulsory medical insurance policies were most often concluded for 12 months.

After that, it was necessary to carry out their extension. The expiration of the policy is the basis for its replacement.

Required documents for registration

The list of documents required for issuing a compulsory medical insurance policy varies depending on the age, as well as the legal status of the applicant. insurance company faces.

Children over 14 years old (citizens of the Russian Federation) must submit the following documents to the UK in order to obtain a policy:

• identity card (birth certificate or other document);
• (if available).

If papers for issuing a policy of the appropriate sample are provided by a parent, guardian, then a passport or other identification document is required.

If the policy is issued by relatives, then they are required to present:

• identification;
• a document allowing registration as an insured person (power of attorney).

Citizens of the Russian Federation who have not reached the age of 18, but have overcome the age threshold of 14 years:

• temporary identity card or passport;
• SNILS (if already available);
• identity card of the representative of the insured person;
• a power of attorney allowing registration (if the representative is a grandmother or grandfather);
• representative's ID.

Persons over the age of 18:

• identity document or passport;
• SNILS.

Refugees who can legally become members of the health insurance system (Law on Refugees) are required to provide:

• petition;
• certificate of the corresponding sample;
• an appeal against a court decision to deprive the FMS of refugee status;
• a document confirming the receipt of temporary asylum.

For individuals, who do not have permanent citizenship, but have real estate, a residence permit:

• passport of a foreign citizen;
• SNILS (if any);
• residence.

Individuals with no citizenship (refugees or otherwise) require the following documents to participate in CHI:

• identity card and a document confirming statelessness;
• SNILS (if any);
• residence.

In the absence of any document, obtaining an insurance policy becomes simply impossible.

Insurance premiums

Insurance premiums for CHI are payments transferred to the Federal Compulsory Medical Insurance Fund of the Russian Federation.

To date, the payers of compulsory medical insurance premiums, according to the Federal Law "On Compulsory Medical Insurance" are:

• organizations;
• individual entrepreneurs;
• individuals who are not individual entrepreneurs (leading a private practice).

The amount of insurance premiums is calculated and then paid depending on the type of organization, the taxation system used, as well as other factors.

The contribution to the federal compulsory medical insurance fund is 5.1% of the total fund wages which is paid to employees.

The duration of the settlement period for contributions of the type in question is one calendar year. Reporting periods are:

• quarter;
• half a year;
• nine month;
• twelve months.

Register of rendered services

The basic list of compulsory health insurance includes the following types of assistance:

• ambulance;
• preventive;
• primary health care.

There is also a list of specialized services that are provided completely free of charge or on a preferential basis.

Under the compulsory health insurance policy, you can have an abortion, childbirth or the postpartum period free of charge.

The CHI system provides the following types of medical care:

• dental, oncological (the list is approved by the Health Committee of the Russian Federation);
• implementation of preventive fluorographic studies in order to detect tuberculosis in the early stages;
• prevention of various diseases through special types vaccines;
• preferential prosthetics, provision of medicines;
• inpatient, provided in special outpatient departments.

Dental treatment under the policy

To date, the list of services provided under the MHI policy includes dental treatment.

Free of charge if available:

• conducting an initial examination and consultation (including for patients who are not capable of independent movement);
• drawing up a preventive map of diseases;
• treatment:
  • carious formations;
  • pulpitis;
  • periodontitis;
  • periodontal diseases;
  • diseases of the oral cavity, mucous membrane;

• treatment of injuries by surgical intervention, extraction of foreign bodies from the canals of the teeth;
• removal of teeth and malignant tumors;
• operations on the soft tissues of the oral cavity;
• reduction of dislocations of various types.

For children under the age of 14, many clinics provide treatment for:

• non-carious lesions of hard tissues of the tooth;
• demineralization;
• orthodontics using special removable equipment.

What are the types

To date, there are three types of CHI policy:

• a sheet of A5 paper with a special barcode on it;
• plastic card, which is a spiked electronic media;
• an electronic application with a number printed on the UEC (universal electronic card).

Previously, until 2011, CHI policies were issued different format. Today, this area of ​​insurance is more streamlined.

The legislation was amended to allow any citizen to choose the format of the policy on their own.

Policies in in electronic format have one important advantage over paper - there is no need to renew them.

A standard A5 policy can be obtained at any point of issue. To receive a universal electronic card or a plastic card, you need to visit a specialized point of issue.

The current legislation on the territory of the Russian Federation allows all citizens to receive medical care in full free of charge. Only in some cases it will be necessary to pay, but this applies only to very rare cases.

Most often, when visiting a polyclinic, you just need to provide a compulsory medical insurance policy to the registry - this will be enough.

Video: Protecting the rights of patients in the CHI system

The care and love of parents is the most important thing that a newborn baby needs in the first place. Your child may need immediate medical attention in an emergency, so the best manifestation care on the part of parents will be the issuance of a policy of compulsory medical ...

Now basic health insurance in Russia has become mandatory. To receive basic medical care, every citizen must have a CHI policy. This product is offered by many companies, including VTB Insurance. Features of the policy in the company ...

Compulsory medical insurance is not just an innovation designed to fill the budgets of polyclinics and hospitals with contributions from organizations and citizens. This is one of the social programs of the state, designed to provide guaranteed and free medical care to all citizens, albeit in the minimum amount established by the state. Insurance...

The CHI policy is binding document for every citizen. An insurance policy is required when contacting a medical institution. In the article we will answer the question "what to do if the insurance policy is lost?" Why you need insurance The name of the certificate - "mandatory medical insurance policy" speaks for itself. For...

What does the abbreviation CHI hide, what are the features and conditions of medical insurance, in what cases a citizen has the right to use an insurance policy - you should find the answer to such questions. This will allow you to fully exercise your right to be an insurer and receive reimbursement from your health insurance...

MAKS insurance company was founded in March 1992. Over the years of its activity over a 20-year period, it has gained popularity with its impeccable work in the insurance market. The company develops, improving its programs, increasing the volume of services provided to the population. It consists of two Joint Stock Companies...

Medical Insurance Company URALSIB appeared on the insurance market in 1994. She renders her services Russian citizens, attracting clients to conclude a contract of compulsory medical insurance. Over the years of activity, the company has become one of the leading ones, having gained fame among the population. Developed...

The CHI policy is absolutely free for all citizens of the Russian Federation. At the same time, its presence is mandatory when receiving medical care in public institutions. A person can have only one policy. Benefits of issuing a policy in a company In 2013, AlfaStrakhovanie JSC ranked sixth in terms of insurance premium collection....

Many countries are gradually coming to an understanding that insurance medicine is a 100% guarantee for receiving reliable, timely, high-quality and highly qualified medical care. Moreover, examinations and treatment will take place with the use of modern devices and equipment. System...

All citizens of Russia must have compulsory medical insurance policies in their hands. In the Russian Federation, more than 60 insurance companies and 200 of their branches, including 13 leaders, compete with each other in this market. Among them is the RESO group of companies. Features of the policy in the company When seeking medical help, it is important to be sure of ...

The procedure for replacing the OMS policy with a new model policy started several years ago. Get oms policy a new sample will help a personal appeal to a company specializing in health insurance, or to the MFC. Alternatively, it can be ordered through a trustee. Be sure to indicate the preferred form of the received document, which is available for:

• people with Russian citizenship;
• people who are citizens of other states but reside in Russia on a permanent or temporary basis;
• refugees;
• persons without citizenship.

It is required to provide its owner with medical care without payment throughout the territory of the Russian Federation, giving the right to choose a medical institution, calling on polyclinics, hospitals, medical centers to work efficiently and efficiently.

What does he look like?

A new policy can be obtained at:

• in the usual form - a paper document with data placed on both sides;
• compact form of a plastic card;
• as part of a universal electronic card (prospective option).

What does a new OMS policy look like in paper form? The format of the new document is A5, it is not recommended to bend it, and it is strictly forbidden to laminate it. The only thing that can be done is photocopies on both sides, which will help extend the life of the original. On the front side there is information about the owner (name, date, month and year of birth), date of receipt, a unique barcode. On the reverse side, information about the place of residence, the insurance company and its coordinates is printed.

The electronic form is similar to a bank card. All data about who issued it is stored on the CHIP, for this reason, owners of plastic insurance should remember the name of their insurance company in order to provide information at hospitals and clinics. There is also a unique number here. With reverse side there is a photo and signature of the owner, the date until which the card is valid. The answer to the question of where to get a plastic OMS policy of a new sample requires additional training associated with calling organizations whose activities are related to health insurance. The reason is that not everyone has the technical ability to issue a plastic version.

You can check the authenticity of the paper or plastic version of the policy issued to you on the official resource by entering a unique number in a special search bar. You will need to turn the document face to face, where the OMS policy number of the new sample is printed, regardless of whether it is made on paper or plastic.

List of documents

The documents for obtaining a new OMS policy are, in principle, the same for everyone:

• a correctly executed application to an organization whose specialization is medical insurance;
• a certified copy of a document by which you can unambiguously verify your identity;
• certified copy of SNILS (if available).
• a certified copy of a document confirming the status of "refugee" (certificate of consideration of the application on this issue), a residence permit, an identity document of a stateless person, where there is a mark confirming the legality of residence in the territory of the Russian Federation for foreign citizens, refugees and stateless people respectively.

By submitting an application for a medical insurance document of a single sample, the applicant receives a certificate in his hands that replaces the policy and gives the right to receive medical assistance until the registration procedure is completed. This certificate can be used no longer than thirty working days, after which the original medical insurance document in the form chosen by the applicant must be received in hand.

Regardless of whether you are a citizen of the Russian Federation or not, getting a new OMS policy is quite simple and fast.

Do I need to renew or order a reissue

First of all, it should be emphasized that all medical insurance documents received on hand, dated January 1, 2011 and earlier, are required to be accepted by any medical institution. Whether or not to change the old version is the business of its owner.

It is worth paying attention to the fact that having received a new document in your hands, you will not find an expiration date on it. Therefore, to the question: “Do I need to renew the OMS policy of a new sample?” the answer will be negative with some caveats:

• there are no restrictions on the validity of this document for citizens of the Russian Federation;
• for people who have received the status of "refugee", the policy will be valid until the person leaves the country;
• for people who have a temporary residence permit on the territory of the Russian Federation, he will help to receive medical care free of charge as long as the permit is valid.

Advantages

A single OMS policy of a new sample is valid on the territory of all subjects of the Russian Federation, regardless of the residence permit or registration of the owner. For this reason, on any trip within Russia, you must take it with you. A single OMS policy of a new sample gives the right to choose not only a doctor who provides medical services, but also a medical institution.

Nuances of obtaining a new sample document

As in any case started by the Russian authorities, when obtaining a single policy that guarantees medical care, there are a number of nuances that you need to prepare for.

You can change the insurance company once during the calendar year and strictly until November 1. The exception is the owner's new registration address.

Insurance is carried out by one organization at a time. Accordingly, a person can be the owner of one policy.

If the plastic format was lost or damaged, then only its paper counterpart can be issued to replace it.

The plans of the government of the country over time to move massively to a universal electronic card, which will replace policies (not only old, but also new), acting as an identity card, certificate of pension insurance, etc., opening up access to a variety of state and municipal services in any region Russian Federation without payment.

It is considered social protection of citizens of the Russian Federation. That is why every person in our country needs to have a CHI policy, which provides free medical care. Now a new document is being used, and many do not know whether it is necessary to receive it instead of the old one. The validity period of the MHI policy is established by law. It will be discussed in the article.

What it is?

All residents of Russia who have the citizenship of the country participate in compulsory medical insurance only with a policy. It is the main document that confirms that a person is an insured person. It is provided in clinics, hospitals, when applying for free medical care.

The document is mandatory when applying to a state clinic. If it is not available, the patient is provided with only emergency (ambulance) care, and other types of treatment will be paid. Medical organizations necessarily require a policy due to the specifics of the work - after the provision of services, the insurer must issue an invoice.

The presence of a policy is necessary for government agencies to obtain reliable information about how many people and at what time they want to apply to a healthcare institution, and in what condition the medical field is. A document is drawn up during an inpatient stay in a hospital at the request of the medical structure, as well as by proxy. In this case, the validity period of the MHI policy may be different.

Types of policies

The policy was previously issued in various formats - from a printed document to an electronic card. The following forms are currently in effect:

1. Sheet A5 indicating information about the insured person, insurance company.
2. Plastic card - the full name of the person is indicated on the front, and all information is stored using electronic media.
3. UEC universal card - all information is indicated on an electronic microchip. These policies are not issued in every region of the Russian Federation, but they are valid, like the 2 previous types.

by the most simple view document is a paper version. Usually, a duplicator card is provided with it, which has the same functions. The paper is convenient to store at home so as not to lose or damage it, and the card is easy to use, and besides, it is always at hand.

Since there is usually a lack of equipment and facilities for electronic data processing in government organizations, information is copied manually thanks to the census on paper. In large settlements, there are no difficulties with the acceptance of the UEC and the old electronic card.

Whatever the document is - old or new, it is divided into temporary and indefinite. The first is usually provided at the time of replacing the main one. Registration is carried out according to the sample, the form of which is the same for all insurance companies.

Action

What is the validity period of the CHI policy? Since the issuance of documents was carried out in different time and in different settlements, the form and validity period differ significantly. With the introduction of a universal electronic card system, which was intended to standardize the health insurance scheme and ensure the transition to a single policy.

During the implementation of the idea, many technical and other difficulties arose, but now new documents are in force. However, not all residents of the country have changed their policy, many use the old ones. Many do not know when to apply for a replacement. Now the new document is provided to persons who receive it for the first time. These include:

1. Newborns.
2. Persons not registered with the OMS.

What is the validity period of old CHI policies? It is listed on the front of the document. It turns out that there is no single period, it is different for everyone, it all depends on the date of receipt. What is the validity period of the new CHI policy? This document is open-ended, i.e. no expiration date. The second option is more convenient.

When is replacement required?

Whatever the validity period of the CHI policy, there are situations when it is necessary to replace the document. This usually needs to be done in the following cases:

1. Passport replacement.
2. Changing personal information.
3. Document loss or damage.

Reissuance rules

Even if the MHI policy of a new model or an old one has expired, it should be borne in mind that this is not a basis for refusing to provide medical services. Emergency assistance to a person should be provided in any case.

Persons who received a document before 2007 face difficulties, especially when reissuing. If the old-style CHI policy has expired, it must be changed at the organization where it was issued. You can contact another institution where a person wants to receive a document.

A policy is usually needed when providing urgent assistance. If the patient is refused due to the introduction of a new sample, he should contact the hospital management and the insurance company or the CHI fund in the region. Replacement is carried out 1-1.5 weeks. If the document is damaged, it is advisable to replace it: the damaged version may not be accepted due to illegibility.

Temporary option

This document is provided during the period while the main policy is being issued. This is evidence that the paper is in the process of being made. It has the same effect, but for a limited time - up to 30 days. With its provision in medical institutions, all the necessary free services should be provided.

How to find out the validity period of the CHI policy? It can be seen on the document itself, since this information is recorded necessarily. You can check the validity of the compulsory medical insurance policy through an insurance company.

VHI

In addition to the MHI policy, there is also VHI - voluntary medical insurance. The document is provided in electronic card form. The client is issued a VHI card. You can check the necessary information using a reading terminal, which is available in large clinics in Russia. The client will be recorded in the electronic database. Today, VHI is in demand in Rosgosstrakh. The company's policy provides many advantages that CHI does not have:

1. The client independently chooses the list of necessary services and institutions. After all, all people need certain medical services more.
2. VHI includes diagnostic and healing procedures not operating in the CHI. For example, dentistry, in general, is almost 100% paid.
3. The second document is renewed by itself if the contract states that the insurer can deduct funds from the client's salary card during the renewal period.
4. With DMS, you do not have to wait in line. This applies to the appointment with a specialist and treatment and diagnostic procedures.

The policy can be purchased by an individual or entity. This nuance is the main difference between VHI and CHI. For example, a company wants to receive additional medical protection for employees. Then VHI is organized as part of the employee's social package, and the legal entity will be the insured.

VHI is great for people with complex chronic conditions that are difficult to treat. Services are suitable for those whose work is risky for health. But with these factors, the price of insurance increases.

Investing in health is considered the best investment. But how to determine which clinics are covered by the VHI policy? This information is in the insurance contract and on the company's website. But modern healthcare facilities, almost all across the country, operate according to new system DMS. You can buy a policy after filling out the form at the office of the insurer or after leaving an application on the website. The document may have an expiration date, but it can also be indefinite.

Conclusion

It is advisable to replace the old sample with a new one so that there are no difficulties during registration in the hospital, when providing urgent medical care. Although the law does not prohibit the use of a policy of previous years, you should get a new option, especially if the old one is already unusable.

It is advisable to change policies provided before 2007, as technical difficulties arise with their execution. Documents issued after this period are valid, although some have an expiration date of 2011. UEC cards do not have a limited period, therefore they change only with damage, loss or change of personal information.

According to the legislation in force in the Russian Federation, a medical insurance policy (CMI) is valid throughout Russia, and not only in the city where it was issued. Therefore, refusal to serve a citizen due to the fact that his policy would be registered in another region is illegal and is a direct violation of the law. How is the service under the MHI policy in another city, what law regulates it, and what are the consequences for the medical institution in case of refusal to provide services? We will try to answer these questions in detail in this article.

The procedure for servicing non-resident citizens

In order to use medical assistance under compulsory medical insurance in another city, you can contact any public clinic or hospital. In this case, the guarantor of the citizen's right to free qualified service will be a document certifying the availability of insurance, namely the policy. It is enough just to present it when visiting a medical institution.

Note! According to the legislation, emergency and emergency assistance should be provided to all those in need in any case, regardless of whether they have insurance, passports, etc. In such a situation, the medical institution simply does not have the right to require any documents.

If a patient from another region is forced to pay for the service rendered, then all checks and receipts for treatment should be kept. Upon return to locality permanent residence, you will need to contact the local territorial CHI fund and report the fact of an illegal demand for payment for medical services, after which, based on the receipts provided, the expenses will be reimbursed. If a citizen has forgotten the policy, then in another city he will also be able to use free medical care, but for this, either he personally or an employee of a healthcare institution will have to contact the territorial fund that issued the insurance document and find out information about the availability of the policy.

What law governs the CHI policy?

The principle of operation and the procedure for the operation of the CHI insurance document on the territory of the Russian Federation is regulated by Law No. 323-FZ “On the Fundamentals of Protecting the Health of Citizens” adopted in 2011. As mentioned above, according to this law a citizen has the right to use medical care even if the policy was obtained in another city. At the same time, in such a situation, the patient may encounter a number of features of the insurance operation. Primarily we are talking that, while outside their home region, they can expect a slightly different scope of services, since such patients are served under the statutory basic health insurance program.

The list of services included in this program, is described and regulated in detail in Law No. 326-FZ of November 29, 2010. Summarizing this document, we can say that basic program somewhat less in terms of included services than the territorial one (this includes more expensive diagnostics, procedures and operations), however, in both cases, the patient can be sure that he will receive highly qualified medical care.

Denial of Service Liability

In a situation where a citizen does not want to be served in a healthcare facility on the basis that the policy was issued in another city, you should immediately write an application addressed to the head physician of this organization. In most cases, this is more than enough for the clinic staff to change their mind and provide the necessary assistance. If this scenario cannot be implemented, you can call the insurance company directly (by the phone number indicated on the policy) or the territorial CHI fund.

Note! Medical services under the policy are provided only by those organizations that are included in the territorial CHI program. That is, if a person went to some private clinic (not included in the MHI), without needing emergency medical care (for example, he just caught a cold), then it is likely that no one will accept him for free.

According to the law, employees of medical institutions of the CHI system do not have the right to refuse to provide assistance to a patient due to a region's inconsistency. In case of denial of service, the patient has every right to go to court and demand compensation not only for the costs of treatment, but also for moral damage. And if, through the fault of a health worker who did not provide timely medical care to the patient, the patient's health was harmed, the doctor faces criminal liability.